JOB SUMMARY:

Responsible for delivery of superior quality member service while adhering to regulatory and policy guidelines through personal service and supervision of direct reporting staff. Develops and maintains strong and profitable commercial banking relationships with businesses and businesspersons within the credit unions’ communities. Ensures flow of work is being done and that all services are being handled properly. Maintains high visibility and promotes the credit union's image within the business community.

DUTIES AND RESPONSIBILITIES:

Responsible for day to day branch operations and supervises all branch staff including but not limited to staffing, daily cash operations, lending approval/disapproval authority.
Supervises all staff, including preparation and administration of annual performance evaluations. Maintains key controls for branch. Ensures that office and contents are safeguarded at all times. 
Monitor branch activity, including number of transactions, volume, teller errors, loan volume, and sales.
Schedule and cross-train adequately to ensure effective branch succession and efficient branch operation. 
Oversees and leads the sales and business development efforts of commercial lending with a focus on helping the commercial lending team grow a profitable commercial loan portfolio.
Supports commercial credit by contacting and working with commercial borrowers to obtain financial information and other supporting documentation to assist with the completion of annual financial reviews, loan maturities, and new loan request.
Supports loan servicing by contacting troubled borrowers to enforce loan terms, collect past due payments, establish workout arrangements, as necessary.
Recruit and select quality applicants for vacancies, ensuring the credit union is adequately staffed with competent employees.
Evaluate the job performance of branch office staff to ensure quality of work and service to members.
Performs any and all duties as directed by the CEO/ President, Chief Lending Officer, and Chief Operations Officer.

EXPECTATIONS:
Proactively solicits new residential mortgage, consumer, and commercial business and cross-sells credit union loan and deposit products to meet established member service quality standards. Will be expected to prospect and network in the Boerne community to develop new long-term, mutually beneficial relationships, focusing on the promotion of the credit union’s products and services to increase deposits, consumer, real estate and small business loan relationships through a consultative selling approach. Monitors key products and sales within branch to ensure profitable and sound business practices and a high quality of service for members.

Responds to member inquiries and referrals that are generated from both their own contacts and from other credit union business channels. Opens new Share, Share Draft, Money Market, Certificate, IRA accounts, HSA and Business Accounts. 

Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine member financing objectives, advise members of product/pricing policies and guidelines, and gather any additional required information. Applies credit union policies and federal regulations to loans to determine loan approval. Originates, processes, underwrites loans adhering to credit union policies. Approves loans within Lending Officer’s authority.
Ensures exceptional member service by maintaining thorough knowledge of all programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies. Will be expected to council members and applicants to help them realistically appraise and understand the current financial conditions, revalue current financial problems and prevent future ones. Also expected to communicate with Member Solutions department and work with members who are experiencing financial difficulty. Provides in person or by telephone, routine information concerning credit union service or policy, including eligibility for membership, how to apply for a loan, loan policy, interest rates, etc.

Will participate in local area community events and educational seminars. These functions may be after normal business hours. May perform duties of teller or other operational positions on an as needed basis. Resolves member complaints as they occur. 

HIRING AND EDUCATION REQUIREMENTS:
Ten years of general experience in a financial institution of which five must be in a supervisory capacity.
Have experience in compliance and management issues relating to lending and operations. 
Strong management and supervisory skills preferred. 
Possess effective oral and written communication skills. 
Possess strong leadership, motivating and coaching skills. 
Post-secondary education desirable. 
Previous Business Development and Lending Experience preferred. 
Ability to be licensed as a Mortgage Loan Originator (MLO) through the Nationwide Mortgage Licensing System & Registry (NMLS).
Self-starter who can work independently. 
Ability to develop and maintain strong business relationships within centers of influence, and to partner with management team to develop new sales programs and marketing strategies. 
Possess in-depth knowledge and the ability to communicate the features and benefits of our products and services. 
Possess excellent presentation, interpersonal and organizational skills. 
Must possess at least intermediate technology skills, including knowledge of word processing, database and spreadsheet applications. 
Ability to conduct needs assessments, identify obstacles and develop solutions to maximize these opportunities.
Manage a wide range of tasks in a fast-paced environment.
Ability to travel between branches when necessary.